It was incredibly easy to apply and income verify. Took less than a minute to income verify through bank accounts. Top notch. The money came quickly. The whole process was simple, easy, and proble... See more
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although the first notary I was linked with was not successful in completing the process (which caused me to worry something hinky was going on....feel free to listen to the recording....), the second... See more
Tina Mershon helped me figure out the heloc process with grace and patience. I had an entire list that she spent over 40mins going over with me. She had so much knowledge on the process and was so pat... See more
Krishanta was absolutely amazing! Now, if I'm being honest, there was one rep I spoke to initially who wasn't helpful with any questions and was a bit rude (I wish I could remember his name), but Kris... See more
Company details
About Figure
Written by the company
Figure is the #1 non-bank home equity lines of credit (HELOC) lender in America.
You can access the cash you need without ever leaving home. Get your rate online in minutes. Approval in 5 minutes and funding in as few as 5 days* at figure.com.
What sets Figure's HELOC apart?
- Apply with our 100% online application in minutes with funding in as few as 5 days.*
- Lines of credit available from $15k - $750k*
- Faster than a bank loan, cheaper than a personal loan.
- 5 minute approval. No impact to your credit score.*
- Get the funds you need now to start that home improvement project or consolidate your debt.
Contact info
650 S. Tryon Street, 8th Floor, 28202, Charlotte, United States
- 888-819-6388
- help@figure.com
- figure.com
Figure Lending
4.8
Excellent
5K reviews
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Quick and easy to the point
Quick and easy to the point. They tell exactly what your doing and give be u the chance to read anything and comeback if you didn't understand anything.
8 May 2026
Excellent mortgage experience
It was the smoothest home mortgage experience I’ve ever had. I applied on Thursday night signed the paperwork on Friday morning by noon on Friday. Everything was done and funding would be available in five days.
8 May 2026
Matthew Johnson rocks!
My dedicated loan officer, Matthew Johnson, was a pleasure to work with. He reached out immediately to help with what was already a very easy online loan application. He kept me up-to-date on all the steps as they were approved and even text me to let me know when I had more online processes to complete!
I cannot tell you how easy and pleasant this whole process was for me and the interest rate was several points below what I had been offered at my bank and other lending institution
Do yourself a favor, go with figure for your loan! You will not be sorry
7 May 2026
Unprompted review
They were amazing professional and…
They were amazing professional and quick. So much better than in person hassle of scheduling etc…
6 May 2026
Short, simple an painless
It whole process from start to finish was very streamlined, short, simple and painless. All the information is readily available and the E-notary took maybe 5 minutes tops. Very user friendly experience.
7 May 2026
Faith was amazing and so nice
Faith was amazing and so nice. The whole process has been 100% amazing with Figure.
7 May 2026
Really great experience
Really great experience. I was able to connect my bank accounts without jumping through any hoops. Everything was so easy.
4 May 2026
Notary was great and professional
Notary was great and professional.
I had a lot of Experian credit issues with unfreezing my credit... Long story short is, I was also using a 3rd party credit protection called Aura, which had a lock on my account. I did not know this and nobody knew either... The error only said my credit was locked. It took a week to figure it out accidentally, when asking CHATGPT what was wrong... Maybe you could help others if they have this issue.
6 May 2026
The process was super easy
The process was super easy, and I would just say a great experience and totally glad I did it!
27 April 2026
May use AI-assist with repliesRead more
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Good experience BUT the first call was…
Good experience BUT the first call was cut off and it took 45 minutes to get another notary. I asked the second one if she could call back if that happened again and she said it didn’t work that way. Perhaps it should.
6 May 2026
Reply from Figure
Thanks for your feedback. Being an entirely virtual company, we occasionally experience technical difficulties and delays. We apologize for the frustration you experienced and thank you for working with us to finalize your application.
A little scammy when it comes to…
A little scammy when it comes to crypto. I think they might be doing everything in their power to find a way to get a little bit of crypto.
1. I renewed two loans and they didn't tell me that my autopayments would stop.
2. I didn't know autopay had stopped because I was never notified or warned to set up auto-pay.
3. I didn't know, two loans went past due (the ones that were renewed) because I never got notified by email or text.
4. I check my dashboard, and if you don't look really well, they labeled their delinquents in small text and in "bright green" background so you won't notice quickly that there was a problem with the loan.
5. On top of that, they notified me late at night in an email after closing hours so I couldn't contact anyone.
6. I emailed support that if there is an issue with autopayment or delinquency, it will not notify you by text or email you. Support stated I need to check every few days or else that would be my fault and he will look into it.
7. My four loans got separated into two different sections, one I can only access on a phone app, and the other three only from the web. I wasn't even notified when they decided to switch from managing the loan from a web-based to phone app-based management which is worse to deal with. Talked to support. Answer: I'll let them know.
8. At least they sent me an email that they would be liquidating some of my crypto for late payment. That's a notification for you.
I have had bank loans and credit cards that IMMEDIATELY tell me if there is an issue by text, email, or by phone. Their failure to put this in place after a year of offering crypto-backed loans show what their after.
6 May 2026
Unprompted review
Reply from Figure
We're sorry to hear about your situation and we appreciate you bringing it to our attention as it gives us an opportunity to improve. We confirmed that your account received the appropriate email alerts indicating when your payment was due and/or past due. When a loan is rolled over, it is treated as a new loan with updated Terms & Conditions that require your agreement before certain features can be activated. As a result, options such as interest deferral and auto pay are not automatically enabled and must be reselected and approved.
We appreciate your candid feedback and will use it to continue improving our product experience.
The signing of the home equity loan was…
The signing of the home equity loan was quick and easy.
5 May 2026
All the folks were very pleasant and…
All the folks were very pleasant and knowledgable. The process was quite streamlined.
5 May 2026
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